The financial institution's second annual "Bank of America Trends in Consumer Mobility Report" shows that 38% of consumers never disconnect from their smartphones, and only 7% entirely shut down on vacation. In addition, 89% of adults check their smartphones at least several times per day and 36% say they constantly check their devices.

The study, which features statistics from a commissioned Braun Research survey that included more than 1,000 US consumers over the age of 18, shows that the desire for connectivity burns bright — 71% of respondents say they sleep with their smartphones. Additionally, 35% say it's the first thing they reach for in the morning. Still others grab their cellphones before drinking their coffee (17%), toothbrushes (13%), and even significant others (10%).

"We recognize how essential smartphones are to everyday life, and banking is no different," said Michelle Moore, head of digital banking at Bank of America, in a recent statement.

The mobile effect can be felt via apps. The research shows that more than half (51%) of respondents use mobile or online services as their preferred method of banking. Fewer than one quarter (23%) — including just 6% of respondents ages 18 to 24 — complete the majority of their transactions at a branch.

At least they're practicing safe text. Three quarters of consumers say they have mobile boundaries — that some places are not appropriate for mobile phone use. Respondents say movie theaters (31%), religious institutions (18%), and restaurants (13%) were the most annoying places people use their smartphones.

Some respondents even copped to the faux pas — 37% say they text during meals, 32% say they do so during conversation, and 27% say they take phone calls on public transportation.